Insurance and Wealth Management

Bringing confidence and integrity to your financial life.

Insurance and wealth management are not always considered at the same time, but we believe they should be. In today’s uncertain world, insurance can sometimes play a key role in helping you control risk and pursue a more secure future. Because we are not affiliated with any product provider, we can help you obtain cost-effective insurance coverage when needed from a variety of carriers.

Comprehensive Retirement Risk Assessment

When planning for retirement, it’s easy to overlook potential hazards that can derail your future. That’s why our team takes a diligent look at all the factors that could impact your financial security in retirement, such as living longer than you expected or experiencing a severe health problem. We then use that information to see if insurance is a cost-efficient way to protect against the more likely threats.

Annuities and Guaranteed Income Solutions

Annuities are one of the few products that can help you effectively protect against the risk of living longer than you expect. They also can be used to create a fixed income stream in retirement. If annuities align with your goals, we can help you analyze the market and select a cost-effective product to fit your needs. Whether you prefer a fixed annuity or a variable annuity with investment options, our insurance solutions can help you create a reliable income source that adds stability to your retirement portfolio.

Note: Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

Long-Term Care Planning

Long-term care costs can be significant, whether provided at home or in an assisted living facility. If we collectively determine that long-term care insurance makes sense for your financial plan, we can help you find a policy (or self-insurance alternative) that fits your needs.

Insurance Strategies in Estate Planning

Insurance can be used in estate planning as part of more sophisticated strategies to save taxes and help preserve your wealth. Your Genesis wealth manager can help you determine if these strategies are a fit for your needs. If they are, we will work directly with your estate planning attorney to implement them smoothly and successfully on your behalf.

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